The PlanSimple Blog
Change in the financial planning landscape is a given. We routinely post content that will help you stay current with legislative topics, financial planning tools, and everything you want to know about retirement strategies.
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Here’s Why PlanSimple Is Different. Plan sponsors often focus on plan design, fees, and compliance. Participants focus on something very different: “Will I actually have enough to retire?” According to the T. Rowe Price 2025 Global Retirement Savings Study, concerns
Tax season usually means paper trails. Statements. Notices. PIN letters. Refund tracking. And sometimes, unnecessary stress. But the IRS now offers a digital tool that makes managing your tax information significantly easier and more secure: the IRS Individual Online Account.
And You Shouldn’t Have to Wait for a Fund Company to Lower Costs Many plan sponsors believe their 401(k) fees are “market competitive” because they benchmarked their recordkeeper three years ago. But here’s the uncomfortable truth: Recordkeeping fees are only
You’ve made it here by being smart, strategic, and disciplined. Your portfolio is solid. You’ve avoided debt. You’ve accumulated more than most. But here’s what we see again and again—especially from successful DIYers, business owners, and professionals who are five
A Fiduciary Perspective on Delayed Retirement For plan sponsors and plan administrators, retirement readiness is often framed as an employee benefit issue. But it is also a business issue. New research from Principal® highlights a reality many employers are already
Most people can estimate how much fixed income they’ll need in retirement. Social Security. Pensions. Portfolio withdrawals. But what’s harder to estimate? How much more everything will cost. Retirement planning isn’t just about replacing your paycheck. It’s about protecting your
A Smarter, More Thoughtful Approach to Target Date Fund Selection Most 401(k) plans rely on target date funds (TDFs) as their default investment option. For many participants, these funds are not just part of the plan—they are the plan. That
Because Peace of Mind Isn’t a Luxury—It’s a Plan If you’re 50 or older with significant assets, odds are you’ve started to feel the pressure. Do I have enough? What if the market crashes right when I retire? What if
Why High-Margin Small Businesses Are Turning to Cash Balance and New Comparability Plan Designs If you’re a small business owner with strong cash flow and a lean staff, there’s a good chance your current retirement plan isn’t fully aligned with
When an election year rolls around, so does the noise—headlines, predictions, and panic. And while we’re not immune to election stress as citizens, it’s critical not to let it rattle your long-term financial strategy. At PlanSimple, we help clients stay
And How the Right Service Model Makes All the Difference For plan sponsors and plan administrators, 401(k) compliance is not a once-a-year responsibility—it’s a year-round cycle of deadlines, filings, notices, and corrections. Miss one step, and the consequences can range
If you’ve managed your own investments for years, chances are you did it out of necessity, not ego. You were busy building a career, running a business, and raising a family. Managing your money yourself was efficient. Logical. Good enough.
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